Call reports 2024
HOUGHTON STATE BANK — 2024
What HOUGHTON STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 228,976,000 | 217,009,000 | 219,888,000 | 215,665,000 |
| Total loans | 177,274,000 | 169,034,000 | 167,736,000 | 161,252,000 |
| Allowance for loan losses | 2,046,000 | 2,046,000 | 2,045,000 | 2,043,000 |
| Securities available for sale | 32,793,000 | 28,881,000 | 28,498,000 | 28,458,000 |
| Securities held to maturity | 1,211,000 | 976,000 | 972,000 | 967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,326,000 | 174,829,000 | 188,155,000 | 183,480,000 |
| Interest-bearing deposits | 140,346,000 | 128,176,000 | 144,411,000 | 134,048,000 |
| Noninterest-bearing deposits | 42,980,000 | 46,653,000 | 43,744,000 | 49,432,000 |
| Equity capital | 29,060,000 | 29,862,000 | 31,235,000 | 31,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,721,000 | 5,442,000 | 8,133,000 | 10,808,000 |
| Interest expense | 913,000 | 1,805,000 | 2,791,000 | 3,642,000 |
| Net interest income | 1,808,000 | 3,637,000 | 5,342,000 | 7,166,000 |
| Noninterest income | 204,000 | 388,000 | 570,000 | 754,000 |
| Noninterest expense | 1,021,000 | 2,031,000 | 3,048,000 | 3,976,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 992,000 | 1,979,000 | 2,858,000 | 3,941,000 |
| Income tax | 237,000 | 468,000 | 671,000 | 923,000 |
| Net income | 755,000 | 1,511,000 | 2,187,000 | 3,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,307,000 | 27,063,000 | 27,739,000 | 28,569,000 |
| Total capital | 28,353,000 | 29,109,000 | 29,784,000 | 30,612,000 |
| Risk-weighted assets | 186,871,000 | 180,017,000 | 179,279,000 | 171,887,000 |